Batch Capital: The Lender on the Merchant's Side.
We lend our own money: directly to merchants, behind brokers' declined files, and as the funding source other lenders count on.
What We Do
Batch Capital is the direct-lender funding division of Batch Group.
Funding That Helps You Grow, Not Suffocate.
We work directly with merchants: qualifying businesses, struggling ones, and everyday operators who need capital that will not bury them.
Traditional lenders vs. Batch Capital
Type any amount and pick your flat rate to see the difference.
$
Pay back with Batch
$33,000
Flat rate: 10%
Flat 10%, you keep $12,000.
One Lender to Fit Your Needs.
We are an in house lender, not a brokerage and not a pass through shop. Our own underwriting team writes every deal.
Merchant cash advances
Funding a business repays from a share of its future sales: fast capital with flexible remittance.
Term loans
Fixed-term financing, including the flat-rate term loans behind our nurture program.
Lines of credit
Flexible, draw-as-you-need capital that's there when opportunity is.
Need a structure not listed? We build the deal around the merchant.
Close Every Packet That Walks in.
Roughly 90% of brokered packets come back denied. Send us every high risk file and every C & D decline. We take the ones nobody else will touch.
The packet gets denied
Every other lender passes, so you send it to us.
We write a term loan
We fund the merchant with a term loan through their point of sale, and you earn commission on it.
They build payment history
The merchant repays on time and becomes fundable.
They return to you
Now fundable with term loan history, ready for your cash advances, lines of credit, and more.
The two objections we always hear
“The lead will just go to another shop.
We lock the merchant in from day one
We work the merchant from day one and make sure that lead never drifts elsewhere.
“How do I know where my lead stands?
A portal plus a dedicated rep
You get a portal login showing the status of every merchant you have sent us, and a dedicated rep who handles your packets.
Refer Your Declines, Keep the Upside.
You deny hundreds of packets. Send them to us instead. As your referral partner we nurture the merchant to fundable with a term loan you earn commission on, then return them to you to fund.
Already a partner? Broker Login
Your declines become referrals
Every packet you cannot fund is sent to us instead of dying in a drawer.
You earn on the term loan
We fund the merchant with a term loan and pay you commission on it.
They build payment history
On time repayment turns an unfundable merchant into a fundable one.
They come back to you
You fund the returned merchant with cash advances, lines of credit, and more.
Commonly Asked Questions
Batch Capital is the direct-lender funding division of Batch Group. It funds three ways: as the lender behind brokerages' deal flow, by reviving brokers' declined (C & D) packets through long-term nurture and a flat-rate term loan with profits shared, and direct to merchants, all at low-margin, merchant-friendly rates across merchant cash advances, term loans, lines of credit, and consolidation loans.
- Is Batch Capital a direct lender?
- Yes. Batch Capital is a direct lender. We fund the deals brokerages bring us across the full product set: merchant cash advances, term loans, lines of credit, and consolidation loans.
- What products does Batch Capital fund?
- Merchant cash advances (MCAs), term loans, lines of credit, and consolidation loans.
- Can brokerages partner with Batch Capital?
- Yes. High-volume brokerage shops partner with Batch Capital as their funding source. Bring us volume and we fund it.
- What makes Batch Capital different from other funders?
- Batch Capital is one of the lowest-margin, most merchant-friendly funders in the business. It prices to help a business grow rather than to bury it in debt.
- What is Batch Capital's dead-packet program?
- Brokerages contract Batch Capital to work their declined C and D packets. A team that has nurtured leads for 20 years coaches those merchants into lendable shape, then Batch Capital's in-house lender funds a flat-rate term loan and shares the profit with the brokerage, so brokers keep flipping fast deals while their dead leads still pay off.
- Does Batch Capital work directly with merchants?
- Yes. Batch Capital funds qualifying, struggling, and everyday merchants directly with advances at non-predatory, merchant-friendly rates, built to help a business grow and scale rather than bury it.
- Where does Batch Capital lend?
- Batch Capital works with merchants and brokerages nationwide across the United States.
- How do I apply for funding from Batch Capital?
- Apply through the funding application on the Batch Capital page or start the conversation through the contact form. Batch Capital's own in-house underwriting team writes every deal.
Fund More Deals, With a Lender on Your Side.
Merchants, brokers, and lenders alike: start a conversation with a direct lender built to help businesses grow.